PCB Secured Visa® Credit Card

Powerfull tool for establishing a positive credit history

Updated: Jan 1, 2024

Advertiser Disclosure

Issued by Plains Commerce Bank, the PCB Secured Visa credit card comes with credit reporting, waived cash advance and international transaction fees for the first year, credit building tools, and fast, 60 seconds online decision.




18.90% Fixed



37 User Ratings

PCB Secured Visa® Credit Card

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Introductory APR


Intro APR Period


Recommended Credit Score


Key Features

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • A minimum collateral deposit of $200 is required to open this account.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
  • *See Rates, Fees, Costs and Limitations for additional details

Our Take

The Plains Commerce Secured Visa credit card was created to help build your future by establishing a positive credit history. This is important because a better credit history can lead to a better credit card, better interest rates, and better loan rates.

Whether you are looking to establish credit, rebuild your credit, or are new to credit altogether, this secured card is a good choice. The card reports to all three Credit Bureaus and has waived Cash Advance and International transaction fees for the first year.

The minimum deposit for this secured credit card is $200, with a maximum deposit of $1,000 for the first year. After the first year, you can request an increase to your credit limit of up to $5,000. The PCB card offers a fast online credit card pre-approval process with an instant response.

There is no credit check or employment verification required for this card; however, it does come with an annual fee and you will need your SSN to apply. (Sable ONE – needs no SSN).

RELATED: See “What is PCB Secured Visa Card?” web story

PCB Secured Card Alternatives

  1. OpenSky Secured Visa
  2. Chime Secured Visa
  3. First Progress Elite Mastercard
  4. Surge Secured Mastercard

Frequently Asked Questions

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Basic Information
Issuer: Plains Commerce Bank
Network: VISA®
Category: Consumer (Secured)
Best Used For:
  • Cards for Bad Credit
  • No Foreign Transaction Fee
  • No Credit / New to Credit
  • Building Credit
  • Damaged Credit
  • No Credit Check
Rewards: No
Rates & Fees
Regular APR: 18.90%
Regular APR Type: Fixed
Annual Fee: $39
Balance Transfer: No
APR on Cash Advances: 20.90%
Grace Period: 25 days
Other Fees:
  • Late Payment Fee: Up to $40.00
  • Returned Payment Fee: Up to $40.00
  • Cash Advance Fee: $0 during the first year; after the first year either $5.00 or 5.00% of the amount of each transaction, whichever is greater.
  • International Transaction Fee: Up to 1.00% of the transaction amount in U.S. dollars. Waived the first year

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Non-Affiliate Offer Disclosure
*The information provided for PCB Secured Visa® Credit Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

PCB Secured Visa® Credit Card

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PCB Secured Visa® Credit Card

PCB Secured Visa® Credit Card

Rec. Credit Score: Good

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